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China Construction Bank launched "financial season" to help residents manage wealth

Source: 2020-10-22 11:21:53

In order to implement the relevant requirements of the Party Central Committee and the State Council on financial services to the real economy and increase the efficiency of fee reduction and concession, China Construction Bank has officially launched the "financial season" in the country by giving full play to the comprehensive service role of financial management platform. Since October 12, series of theme activities of the fiscal season have been launched successively, and more than 60 items covering financial management, funds, insurance, precious metals, etc. have been launched for residents Through reducing fees and profits, setting up interesting tasks, live broadcast of big names and other high-quality activities, we will give full play to financial tools, optimize the allocation of social resources, help residents to manage their wealth, serve the domestic big cycle, and support the healthy development of the real economy.

A number of measures to help residents' wealth management

The income level of residents is directly related to their consumption ability, which in turn affects consumption expectation and consumption confidence. With the steady development of economy and society, the continuous accumulation of residents' wealth, and the accelerated evolution of population aging, residents' investment consciousness has gradually increased and their financial habits have been formed.

The national development and Reform Commission and other 23 departments jointly issued a document, clearly requiring "stabilizing and increasing residents' property income". At the beginning of this year, the CBRC issued the guiding opinions on promoting the high-quality development of the banking and insurance industry. The opinions pointed out that all banking institutions should strengthen the cultivation of long-term investment concept of customers, promote the effective transformation of residents' savings into long-term capital in the capital market, improve the management efficiency of residents' savings assets, and make finance better serve the construction of modern economic system.

Managing money for the people and helping them make money. It is an inevitable requirement and an important way for commercial banks to fulfill their social responsibilities and realistic development to continuously expand and strengthen the investment and financing business, effectively capture the investment and financial management needs of users, and provide the residents with a variety of tailor-made financial products and services.

Relying on its own digital operation advantages and taking the "financial season" as the starting point, CCB has increased the profit margin of fee reduction and reduced the cost of residents' asset allocation. From October 12 to the end of December this year, CCB has successively launched exclusive services for the financial season, including "young students", "working youth", "new middle class", "family manager" and "small town elite" And investors with different social backgrounds and risk preferences, on the one hand, continuously launched higher margin of safety, more professional and more intelligent financial products and supporting services during the event, On the other hand, through the establishment of "financial season main venue" online interactive zone, with rich investor education content, fresh and interesting activity tasks, supporting rich practical prizes, attract the majority of financial consumers to participate in online interaction, and establish a correct financial intelligence awareness.

In terms of fund products, the "financial season" provides targeted matching products for different customer groups, focusing on the selection of long-term outstanding equity products, the selection of "fixed income +" products with stable long-term performance, and the pension public fund products, and launching four exclusive activities, namely, selecting long-term high-performance equity products, carrying out discount activities of fixed investment rate; selecting long-term stable performance equity products“ For fixed income + "products, we will carry out the discount activities of 10% discount for subscription rate; for customers with pension demand, we will carry out preferential activities of 10% discount for subscription and fixed investment rate of public pension fund; we will jointly launch the discount activities of product purchase and fixed investment rate of CCB fund under CCB.

In terms of financial products, CCB has selected a number of "bottom pressing" fist products. In addition to the series of traditional proprietary financial products "hengying", "kaixinxiang" and "Huixiang", CCB has also cooperated with CCB's financial management subsidiary to launch "Chuangxin", which is involved in the innovation of the science and technology innovation board and the growth enterprise market, and "Ruifu" fof, which pursues stable returns, and is greatly enriched through a variety of strategies Investors' financial basket. It is worth mentioning that "Longbao", a star product of low volatility cash management strategy, which is popular with customers, will also launch the quick redemption function online in the "financial season", so as to realize flexible application and real-time payment, and greatly improve the capital efficiency of investors.

In addition, in the "financial season", CCB will jointly launch more than 10 key insurance products with CCB life, CCB property insurance subsidiaries and several leading insurance institutions, and will launch online public welfare lectures on insurance knowledge to popularize insurance knowledge to the public. In terms of precious metal products, in addition to continuously strengthening the supply of the "imperial palace auspicious beast" series of popular precious metal products, more classic CCB gold and gold banknotes will be launched in succession.

Join hands with all parties to promote long-term social and economic development

The data shows that the proportion of real estate asset allocation in the household asset allocation structure of Chinese residents is much higher than that of developed countries. The proportion of equity and structural financial products with more long-term investment value and higher safety margin is insufficient.

According to the survey report of the people's Bank of China, physical assets are the main assets of households in China, with housing accounting for nearly 70% and housing ownership rate reaching 96.0%; financial assets account for only 20.4%, and households prefer risk-free financial assets such as deposits.

In contrast, the proportion of real estate in the total wealth of American households is about 30%, and the proportion of financial assets is close to 70%. The liquidity of Chinese residents' assets is poor, and most of the wealth "precipitates" into fixed assets that are difficult to realize. Therefore, it is very difficult to convert into consumption due to liquidity risk.

Through this "financial season", China Construction Bank can not only meet the rapid growth of residents' financial needs, continuously enhance residents' consumption ability and drive consumption upgrading, but also play a role in optimizing the allocation of social resources by financial instruments. In cooperation with several financial institutions in the industry, CCB will guide the transformation of social capital into financial capital, serve the domestic big cycle, and support the transformation and development of the real economy.

In addition to the above-mentioned exclusive preferential activities, CCB also uses digital tools and professional capabilities to build ecological environment and set up scenes, and jointly with 40 fund management companies to select products, launch e-channel subscription and order investment preferential activities, and work with all sectors of society to make the service more accurate, experience better and benefit the people more practical.

Upgrading the digital operation ability of commercial banks

In line with the development trend of digital economy, CCB adheres to the digital business idea of "building ecology, setting up scenes and expanding users", and actively explores the digital business model. It is reported that this "financial season" is an important part of CCB's four-year operation, which is in line with the "jianjianwang bank" activity carried out throughout the bank since the end of last year.

In practice, in terms of business philosophy, CCB has started the transformation from product sales as the center to customer experience as the center, realizing "customer insight, two-way interaction, accurate touch, thousands of people and thousands of faces"; in terms of marketing mode, it has experienced the innovation from single point push marketing to interconnection platform, construction of scenes and creation of ecology, realizing "all links, all channels, all day" In terms of strategy promotion, it has experienced from the division of troops to the overall coordination and coordination across regions, lines, departments and levels.

"Financial season" is also defined as the touchstone and training ground of CCB's digital operation. It is reported that China Construction Bank launched the Dragon wealth service platform in 2018 to solve the problems of insufficient professional ability and manpower in wealth management. After two years of continuous iterative upgrading, CCB has initially possessed a package of investment and financing functions such as wealth physical examination, intelligent investment consultant, wealth information, asset liability panorama, etc.

A series of CCB digital service tools such as "dragon wealth", "cloud studio" will provide effective support and guarantee for the professional service ability of "financial season". CCB takes wealth physical examination as the logical starting point for insight into customers' investment and financial management needs, gives full play to the characteristics of intelligent investment advisory products, such as stable income and excellent experience, effectively undertakes customer service in the financial season through online and offline Omni channels, and continuously enhances the long tail customer service ability and configuration accuracy. The cloud studio service platform for customer manager of CCB will provide professional remote service capability To integrate the convenience of online service with the professional interaction of customer manager service, and continuously improve customer experience and customer trust.

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